Yes, in some cases. HealthCare.gov permits the sale of Marketplace plans through private websites. These are sometimes described as “direct enrollment” sites or “certified enrollment partner” sites. Private websites may be operated by a health insurance company, such as Blue Cross, Ambetter, or Molina.

Not always. Private, direct enrollment websites that are run by insurance companies typically only show plans offered by that insurer. Sites run by web brokers are required to show all plans offered by multiple insurers.

It depends. Some websites will connect you back to HealthCare.gov to complete an application for financial assistance. Other websites, designated as “full service partners” have features that let you apply for financial assistance on that site. If you have questions or concerns about information provided by these sites, you can check the Marketplace website, HealthCare.

Yes. A number of private enrollment websites will also sell short-term health insurance, cancer-only policies, and other products that do not cover all the benefits and provide all the protections of Marketplace plans. These plans can turn you down or charge you more if you have a pre-existing condition.